18 YEARS OF
EXPERIENCE
NATIONWIDE
REACH
OVER 1000
CLIENTS
MULTIPLE
AWARD-WINNING
Get the cheapest mortgage in Poland.
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Reviews of our experts
Access to offers from all major banks in Poland.
Full mortgage support and beyond – we’re with you for the long run.h you for years
Boutique Approach – close, personalized service designed for you.
Experience and effectiveness We have the know-how and a proven track record
Customized Mortgages for Foreigners in Poland
The key to our success is our expert team, true dedication, and a mortgage process refined to perfection. This ensures our clients save time and money, while having complete confidence that every decision about their mortgage in Poland is made responsibly and supported by the latest market insights.
# Know-How
Our services
Our Specialty is Mortgage Loans
We are financial experts passionate about the credit market. Since 2008, we have been setting new standards in customer service, supporting our clients through some of the most important decisions in their lives. Whether you are planning to buy an apartment, build a home, or reduce your mortgage costs, you can count on our full support and commitment.
By the Numbers
OVER
> 20
BANKS
OVER
18 YEARS
IN THE MARKET
> 1000
CLIENTS ACROSS POLAND
Mortgage in Poland
For 18 yearswe have consistently delivered what truly matters: reliability, transparency, effectiveness.
We do not charge additional fees. Banks pay us for customer service.
NO COMMISSION
We work only with selected, experienced, and proven experts.
PROFESSIONALISM
CHEAPEST LOAN
Full financial service
We help clients achieve their goals and dreams. Currently, most of our clients come through referrals. We work with genuine passion because we love the real estate and finance markets. Our focus is on long-term growth, building strong relationships, and developing specialized expertise. Every day, we strive to improve our processes and services for the benefit of our clients.
Foreigners’ Mortgages in Poland – Check if You’re Overpaying
Have a mortgage in Poland and wonder if you’re paying too much?
We offer a free mortgage review for foreigners, comparing your terms with 16 leading banks. Our experts help reduce monthly payments, cut costs, and save on interest – tailored for expats in the Polish mortgage market.
Why Choose Us?
# Finansowanie
Our name is no coincidence – it reflects two key ideas: refinancing and genuine financial support. At ReFinansujemy, we don’t just play with words; we promise to carefully review your financial commitments, plans, and opportunities to find mortgage solutions better than what you currently have.
In a world of constantly changing interest rates, bank conditions, and regulations, the right mortgage can make all the difference for your financial peace of mind. ReFinansujemy.com – proudly helping foreigners make the best mortgage decisions in Poland.
#Savings
Mortgage alert
Stay 100% Sure You’re Not Overpaying on Your Mortgage
How does it work?
Sign up, and we’ll alert you when switching your mortgage in Poland makes sense – so you can be sure you’re not overpaying.
We update you on cheaper mortgages and refinancing in Poland.
Ongoing support
We compare offers from 16 banks so you can choose the best mortgage.
Select best offers
We review your mortgage, assess your eligibility, and discuss your goals.
Free consultation
Throughout the mortgage process, you’ll be guided by an experienced expert.
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Your Mortgage in Poland – Our Process for Foreigners
Free Review of Your Situation and Goals
We assess your goals, credit, and finances to find the best mortgage in Poland.
Choosing the Best Mortgage Offer
Pick the best mortgage from a selection of top banks in Poland.
Ongoing Support and Updates
Regular updates on mortgage savings and cost-reduction opportunities in Poland.
What Can You Gain by Getting a Cheaper Mortgage?
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Lower interest rate – Take advantage of better market rates
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Reduced monthly payments or shorter loan term – improve cash flow or pay off your mortgage faster,
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Lower total mortgage cost – potentially saving tens of thousands of PLN over the life of the loan,
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Increased borrowing capacity – with lower payments, it’s easier to secure additional financing in the future,
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Access to cheaper, better-suited supplementary products – such as a personal account, insurance, or credit card, often required by the bank’s.
# negotiation
Taking Out a Mortgage in Poland as a Foreigner – Step by Step
Once the benefits and costs indicate that taking a mortgage is worthwhile, it’s time to take action. The first step is gathering the essential documentation – identification documents, property details, and proof of income. Banks will also review your credit history.
At every stage, you can count on our support: from preparing and submitting applications, through communication with banks and completing documentation, to negotiating terms and finalizing the mortgage agreement.
# start
Mortgage Fees & Costs in Poland
Taking out a mortgage in Poland may involve possible costs, such as:
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Commission for granting a new mortgage,
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Property valuation fees,
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Court fees for registering the mortgage in the land and mortgage register,
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Mandatory insurance linked to the mortgage (e.g., property or life insurance required by the bank).
# calculation
Insights from Our Experts – BLOG
Tak, nie pobieramy żadnych opłat od klientów, jesteśmy wynagradzani bezpośrednio przez banki. Nasza oferta jest dokładnie taka sama jak w każdym z banków bezpośrednio.
Most mortgages range from 15 to 35 years, depending on age, income, and bank policies. A Mortgage advisor in Poland can help choose a term that balances monthly payments with total interest paid. Using a Mortgage Calculator allows buyers to compare different terms and see the long-term impact on their investment.
Yes. Refinancing a mortgage allows you to reduce interest rates, adjust loan terms, or consolidate debts. Foreign buyers can use services like Refinancing Alert to track market changes. A Mortgage expert Poland can guide refinancing decisions, and a Mortgage Calculator helps estimate potential savings.
Yes. Banks offer Mortgage Poland products for apartments, houses, or commercial properties purchased for rental income. A Mortgage expert Poland can advise on eligibility, loan-to-value ratios, and repayment strategies. Using a Polish Mortgage Calculator helps evaluate rental yields versus mortgage costs to ensure profitable investment in Properties in Poland.
Yes. Foreign buyers should account for:
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Notary fees (1–2% of property value)
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Property transfer tax (2% for resale)
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Bank fees and commissions
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Property and mortgage insurance
Foreign buyers typically need:
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Passport or EU ID
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Residence permit (if applicable)
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Proof of income (salary slips, contracts, or audited statements)
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Preliminary purchase agreement
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Credit history or bank statements
A Mortgage expert Poland ensures all documents meet bank requirements and can provide guidance for using a Mortgage Calculator to show lenders your repayment ability when investing in Real estate Poland.
Approval usually takes 3–6 weeks, depending on documentation, bank procedures, and whether the buyer is foreign. A Mortgage expert Poland can accelerate the process by ensuring all documents are complete and correct, including translated income statements and legal property documents. Using a Mortgage Calculator beforehand helps prepare realistic repayment plans and speeds up bank pre-approval.
Polish banks offer several options:
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Fixed-rate mortgages – predictable monthly payments, ideal for long-term financial planning
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Variable-rate mortgages – lower initial rates, may fluctuate with market conditions
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Foreign-currency mortgages – suitable for those earning abroad in EUR, USD, or GBP
A Mortgage expert Poland can advise which type is best for your income and investment strategy in Real estate Poland. Using a Mortgage Calculator helps compare the cost of different mortgage types before making a decision.
For a mortgage in Poland for foreigners, the minimum down payment typically ranges from 10% to 20% of the property value, depending on several factors. These include your residency status, nationality, income source, employment type, creditworthiness, and the specific bank’s internal policy.
EU citizens with stable income in Poland often qualify for lower down payment requirements, while non-EU citizens or applicants earning income abroad may be required to provide a higher own contribution. Some banks may also apply stricter conditions depending on the type and location of the property.
Because down payment requirements and lending criteria vary significantly between banks, access to reliable and up-to-date information is crucial. In our Home Loans in Poland for Foreigners – Q&A section, we explain current regulations, bank policies, and market trends affecting expats and foreigners applying for a mortgage in Poland. This helps you better prepare financially and choose the most suitable home loan solution.
Working with a mortgage expert ensures you can navigate these differences, compare offers from multiple banks, and secure the most favorable mortgage terms in Poland for foreigners.
Yes, obtaining a mortgage in Poland with foreign income is possible, although it is limited to selected banks and specific cases. Polish banks generally prefer income from EU countries or well-established international employers and require additional documentation, certified translations, and detailed income verification.
It is important to note that in Poland, a mortgage can currently be granted only in the currency in which the borrower earns their income. Since Polish banks currently offer mortgages mainly in PLN and, in selected cases, in EUR, the applicant’s income must also be paid in PLN or EUR. Income earned in other currencies usually needs to be converted or is not accepted for mortgage purposes.
Because of these restrictions, working with a polish mortgage expert is crucial. Professional guidance helps identify banks that accept foreign income and ensures compliance with current regulations when applying for a mortgage in Poland for foreigners.
Polish banks accept various income sources for a mortgage in Poland, including employment contracts, B2B/self-employment income, and in some cases foreign income. Expats working in Poland on permanent or long-term contracts usually have the strongest position. Income stability, contract duration, and industry type are key factors in mortgage approval.
No, permanent residency is not mandatory. Many banks offer a mortgage in Poland for foreigners based on a temporary residence permit, work permit, or EU registration certificate. What matters most is having legal residence in Poland, stable and documented income, and sufficient creditworthiness to repay the loan.
Each bank applies its own internal policies when assessing expats, which means requirements may vary significantly. This is why professional guidance is especially important for foreigners—working with a mortgage expert in Poland helps identify banks that are open to expats and greatly increases the chances of approval for a mortgage in Poland.
Yes, foreigners can get a mortgage in Poland, and every year thousands of expats successfully obtain home loans from Polish banks. A mortgage in Poland for foreigners is available to EU and non-EU citizens, provided they meet bank requirements related to income stability, legal stay, and creditworthiness. Polish banks increasingly offer mortgage solutions tailored for expats in Poland, especially for those working or running a business locally.
Mortgage with ReFinansujemy.com – Frequently Asked Questions
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Want to learn more and secure the best mortgage in Poland? ReFinansujemy.com are specialists with over 18 years of experience assisting foreigners in Poland with property purchases and mortgages.
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